4105 TOPSAIL DRIVE, NEW PORT RICHEY, FL, 34652
Active43 days on marketListed Sep 25, 2026MLS #W7889726
About this home
4105 TOPSAIL DRIVE
GORGEOUSLY remodeled 3 bedroom home in popular Gulf Harbors. Everything is BRAND NEW! Incredible kitchen with NEW real wood cabinets, NEW stainless appliances, NEW quartz tops, Open floor plan with living room, dining room and bonus room (with sliding door access to Florida room. Master suite with large walk in closet, en suite bath with NEW vanity, marble counter top, dual sinks, dual medicine chests and NEW walk in shower. Sliding door access to Florida Room. Front guest bedroom with large closet featuring French doors. Third bedroom is off of the bonus room. This bedroom has dual closets. Guest bath with NEW vanity, NEW walk in shower, Large enclosed Florida room provides access to the large, partially covered, screened in pool with pavers, three ceiling fans, salt water pool, newly resurfaced, color changing pool light. NEW pool pump and NEW salt system. NEW Ceiling fans in all bedrooms, bonus room & Florida room , Porcelain tile throughout. On Demand hot water heater. Oversized garage with garage door opener, washer and dryer hookup and epoxy finished floor. No rear neighbors, Hurricane sliders in bonus room and Primary suite. Windows are double pane and insulated throughout. NEW Water Softener. NEW interior and NEW exterior paint.***RENT INCLUDES: QUARTERLY INTERIOR PEST CONTROL, LAWN MAINTENANCE AND POOL MAINTENANCE. Optional membership to GULF HARBORS PRIVATE BEACH CLUB (please inquire if interested). Optional membership to GULF HARBORS YACHT CLUB. Two dogs (small or medium) permitted. With restrictions-see above. SORRY NO CATS. First/last/security. Renters Insurance required.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,862
Sqft
0.16 ac
Lot size
1
Garage
1971
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$189 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$189/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs New Port Richey actives
$2 vs $193
Days on market
43 vs 66 typical
Where $2/sqft sits among the 400 New Port Richey actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Flor-a-mar
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know New Port Richey. See the full New Port Richey guide →
Flor-a-mar — neighborhood snapshot
Population
2,804
Median age
54
Median income
$104,709
Median home value
$475,050
Avg household
2
Households w/ children
142
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The New Port Richey market
$284K → $280K
New Port Richey median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
228 of 400
New Port Richey actives have cut their price
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 98% below the NEW PORT RICHEY 34652 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 4105 TOPSAIL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$181,000
4060 SAIL DRIVE
3 bd · 2 ba · 1,763 sqft · $103/sqft · 6 DOM
Sold · Nov ’25$320,000
3217 ROCK VALLEY DRIVE
4 bd · 2 ba · 1,600 sqft · $200/sqft · 24 DOM
Sold · Apr ’26$270,000
3707 PINEHURST DRIVE
3 bd · 2 ba · 1,534 sqft · $176/sqft · 122 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4105 TOPSAIL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4105 TOPSAIL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4105 TOPSAIL DRIVE FAQs
What would the monthly payment be for 4105 TOPSAIL DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $189/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 4105 TOPSAIL DRIVE?+
The listing reports pets: Dogs OK, Number Limit, Size Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in New Port Richey?+
At $3,500, this home is listed about 99% below the New Port Richey median of $279,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4105 TOPSAIL DRIVE?+
Gulf High School (high), Gulf Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BEST OF THE GULF REALTY INC · LORI Smith, PA. MLS #W7889726.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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